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Answer and Explanation:
I assume Charlie is saying that it will take couple of minutes to crack passphrase using brute force attack. If this is the case then Yes Charlie is exaggerating in this matter. As the time required to break the passphrase depends on the length of the passphrase. More the length, more will be the possibilities or permutations which needed to be tested. So couple of minutes are not enough even if passphrase length is short.
If my assumption is wrong and Charlie is saying that it will take couple of million years to break the passphrase, then also this exaggeration, as, million years is alot of time, and breaking a passphrase of finite length will take alot of time but not in terms of million years.
There are alot of tools available other than PKI based which can be used to crack password. eg. There are some black hat softwares available such as Hiren Boot CD, Windows Password Changer (WPC), etc
